Many thanks for your speedy replies, even on a weekend . I am somewhat relieved by what has been said, so will give the upgrade a go now. Cheers Karen

Hi. I have been reading some of the other posts about upgrading etc. when you are in an IVA. I was obviously expecting sticking to my provider who are Orange as I realise I cannot get a new provider because I would fail due to my IVA. However, the problem I have is that Orange have been taken over b...

I understood when I took out my IVA that as I was part self-employed, an allowance was made for tax payments up until tax year 2012 - 2013 (I took out the IVA in Nov 2012), so in effect for the first two tax returns of my IVA. On my last tax return I was due a rebate, so my issue did not arise, howe...